Cadillac CTS-V Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance rates for a Cadillac CTS-V are $1,126 a year including full coverage. Comprehensive insurance costs on average $234, collision costs $354, and liability is estimated at $402. A liability-only policy costs approximately $446 a year, with high-risk insurance costing $2,424 or more. Teen drivers pay the most at $4,270 a year or more.
Average premium for full coverage: $1,126
Premium estimates by type of coverage:
Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and for different CTS-V trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Cadillac CTS-V go from as low as $446 for the bare minimum liability coverage to a much higher rate of $2,424 for coverage for higher-risk drivers.
Insurance Price Range by Location
Living in a larger city can have significant affects on car insurance rates. Rural areas are statistically proven to have a lower frequency of comprehensive and collision claims than larger metro areas.
The price range example below illustrates how location impacts car insurance rates.
These rate differences highlight why anyone shopping for car insurance should get quotes based on a specific location and risk profile, instead of using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below breaks down estimated Cadillac CTS-V insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $662
- Choosing higher $1,000 deductibles can save around $134 every year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,126
- Choosing more expensive low deductibles for comp and collision coverage will cost an extra $256 every year
- Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,424 or more
- An auto insurance policy for full coverage for a teen driver with full coverage may cost $4,270 each year
Auto insurance prices for a Cadillac CTS-V also have a wide range based on your driving characteristics, the model of your CTS-V, and policy deductibles and limits.
An older driver with a good driving record and high deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay upwards of $4,200 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Cadillac CTS-V insurance prices. A good driver about age 40 could pay as low as $860 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,610 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,016 | -$110 | -9.8% |
| Alaska | $862 | -$264 | -23.4% |
| Arizona | $932 | -$194 | -17.2% |
| Arkansas | $1,126 | -$0 | 0.0% |
| California | $1,282 | $156 | 13.9% |
| Colorado | $1,074 | -$52 | -4.6% |
| Connecticut | $1,154 | $28 | 2.5% |
| Delaware | $1,272 | $146 | 13.0% |
| Florida | $1,406 | $280 | 24.9% |
| Georgia | $1,040 | -$86 | -7.6% |
| Hawaii | $808 | -$318 | -28.2% |
| Idaho | $762 | -$364 | -32.3% |
| Illinois | $838 | -$288 | -25.6% |
| Indiana | $848 | -$278 | -24.7% |
| Iowa | $758 | -$368 | -32.7% |
| Kansas | $1,068 | -$58 | -5.2% |
| Kentucky | $1,534 | $408 | 36.2% |
| Louisiana | $1,666 | $540 | 48.0% |
| Maine | $694 | -$432 | -38.4% |
| Maryland | $930 | -$196 | -17.4% |
| Massachusetts | $898 | -$228 | -20.2% |
| Michigan | $1,954 | $828 | 73.5% |
| Minnesota | $942 | -$184 | -16.3% |
| Mississippi | $1,346 | $220 | 19.5% |
| Missouri | $998 | -$128 | -11.4% |
| Montana | $1,208 | $82 | 7.3% |
| Nebraska | $884 | -$242 | -21.5% |
| Nevada | $1,350 | $224 | 19.9% |
| New Hampshire | $810 | -$316 | -28.1% |
| New Jersey | $1,258 | $132 | 11.7% |
| New Mexico | $994 | -$132 | -11.7% |
| New York | $1,184 | $58 | 5.2% |
| North Carolina | $648 | -$478 | -42.5% |
| North Dakota | $922 | -$204 | -18.1% |
| Ohio | $776 | -$350 | -31.1% |
| Oklahoma | $1,152 | $26 | 2.3% |
| Oregon | $1,030 | -$96 | -8.5% |
| Pennsylvania | $1,072 | -$54 | -4.8% |
| Rhode Island | $1,498 | $372 | 33.0% |
| South Carolina | $1,020 | -$106 | -9.4% |
| South Dakota | $950 | -$176 | -15.6% |
| Tennessee | $984 | -$142 | -12.6% |
| Texas | $1,356 | $230 | 20.4% |
| Utah | $834 | -$292 | -25.9% |
| Vermont | $768 | -$358 | -31.8% |
| Virginia | $674 | -$452 | -40.1% |
| Washington | $868 | -$258 | -22.9% |
| West Virginia | $1,032 | -$94 | -8.3% |
| Wisconsin | $776 | -$350 | -31.1% |
| Wyoming | $1,000 | -$126 | -11.2% |
Choosing high deductibles can save as much as $390 every year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost up to $362 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying at a minimum $1,300 to $1,900 in extra premium annually, depending on your age. High-risk driver insurance ranges as much as 44% to 129% more than average. View High Risk Driver Rates
With such a large range in prices, the best way to figure out exactly what you will pay is to compare prices and see which company has the best price. Each auto insurer uses a different rate calculation, and quoted prices will be substantially different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Cadillac CTS-V | $344 | $674 | $384 | $1,538 |
| 2017 Cadillac CTS-V | $318 | $568 | $390 | $1,412 |
| 2016 Cadillac CTS-V | $296 | $522 | $390 | $1,344 |
| 2014 Cadillac CTS-V | $280 | $458 | $402 | $1,276 |
| 2013 Cadillac CTS-V | $258 | $424 | $402 | $1,220 |
| 2012 Cadillac CTS-V | $252 | $386 | $406 | $1,180 |
| 2011 Cadillac CTS-V | $234 | $354 | $402 | $1,126 |
| 2010 Cadillac CTS-V | $220 | $320 | $402 | $1,078 |
Rates are averaged for all Cadillac CTS-V models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheaper Cadillac CTS-V Insurance
Finding better rates on car insurance takes having a decent driving record, having good credit, refrain from filing small claims, and taking advantage of discounts. Spend time shopping around at least once a year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following items are a condensed summary of the primary concepts that were touched on above.
- You may be able to save as much as $130 per year simply by shopping early and online
- Higher risk drivers with multiple at-fault accidents may pay on average $1,300 more each year than a driver with a clean driving record
- Increasing policy deductibles can save around $400 each year
- 16 to 18-year-old drivers are charged the highest prices, with the cost nearing $356 per month if they have full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,270 |
| 20 | $2,566 |
| 30 | $1,164 |
| 40 | $1,126 |
| 50 | $1,028 |
| 60 | $1,008 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,382 |
| $250 | $1,264 |
| $500 | $1,126 |
| $1,000 | $992 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,126 |
| 50/100 | $1,206 |
| 100/300 | $1,307 |
| 250/500 | $1,568 |
| 100 CSL | $1,247 |
| 300 CSL | $1,468 |
| 500 CSL | $1,629 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,074 |
| 20 | $4,088 |
| 30 | $2,466 |
| 40 | $2,424 |
| 50 | $2,310 |
| 60 | $2,290 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $59 |
| Multi-vehicle | $59 |
| Homeowner | $18 |
| 5-yr Accident Free | $77 |
| 5-yr Claim Free | $72 |
| Paid in Full/EFT | $47 |
| Advance Quote | $53 |
| Online Quote | $79 |
| Total Discounts | $464 |
Discounts are estimated and may not be available from every company or in every state.
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